Posts tagged with "lending"

The 5 Cs of Credit for Borrower Evaluation

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How the 5 C’s (capacity, conditions, capital, collateral, and character) are used to evaluate borrowers

The five Cs of commercial credit—character, capacity, capital, conditions and collateral—have comprised five basic elements of credit and lending. Most bankers know these basic principles, but this webinar offers a practical framework for their use in credit analysis and underwriting by showing how they are linked–how character emphasizes willingness to repay while the other four deal with ability to repay.

Please join Dev Strischek for this loan webinar as he explains how credit analysts can use the five Cs of credit to assess repayment ability and assist underwriters and lenders in the credit adjudication process. This class is aimed at both people new to financial organizations as well as an enjoyable refresher to more experienced bankers.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, August 22, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Dev Strischek

Principal, Devon Risk Advisory Group

About the Speaker

As the Principal for Devon Risk Advisory Group, Dev Strischek brings years of senior experience in financial services to his clients around the areas of risk policy, risk culture, and portfolio risk management. Dev also serves as a Member of the Private Company Council for FASB. Prior to those roles, Dev served for 18 years at SunTrust Bank, retiring as their Sr Vice President and Senior Credit Policy Officer for the bank. Dev is a frequent industry speaker on many aspects associated with credit risk and compliance, as well as loan policy best practices. He has also authored many industry trade articles on principles and practices, problems and issues relevant to risks that financial organizations must manage.

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Loan Review Best Practices

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Loan portfolios are improving, and we are putting the financial crisis behind us as credit quality approaches pre-crisis levels. Loan growth is on most agendas, but there may be too many financial institutions pursuing a limited number of opportunities. In this environment, it is important to be razor-focused on managing and monitoring portfolios to continue the recovery.

Over the post-financial crisis years, Wipfli has helped banks to hone their credit practices, and this loan training will cover policies and procedures found to be ‘best practices’. The presenters will also challenge you with current regulatory and industry issues that your institution should be addressing.

In this lending webinar, we will cover:   

  • What drives effective portfolio management.
  • Underwriting keystones.
  • Administrative practices worth the effort.
  • Honing of your real estate valuation program.
  • Current regulatory and industry issues.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally.

Dates of Event

Thursday, August 16, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker(s)

About the Speakers

Eric Van Doren is a member of Wipfli LLP’s risk management team, with over 25 years of experience in the commercial banking industry. He works with financial institutions to provide customer-focused risk management services. Eric classifies loans using the financial institution’s risk rating system and identifies credit risk and trends within the institution’s portfolio.

Cynthia Brzeski brings more than 30 years of banking and credit experience to each loan review engagement for the financial institutions practice of Wipfli LLP. Prior to joining Wipfli, she spent six years as a senior credit officer with a regional bank, with responsibility for credit underwriting and approval, portfolio management, and compliance. With additional experience in commercial credit, credit administration management, workout, compliance, and internal audit, Cynthia is able to provide insight and expertise to her financial institution clients.

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Commercial Lending Basics (2-Part Series)

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To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing needs arise in the business and what borrowers and accountants are trying to quantify with financial statements and tax returns.

This banking webinar will address the following topics:

  • How a business operates
    • Operating Cycle
    • Fixed Asset Cycle
    • Profit Cycle
    • Cash Cycle
  • How financing needs arise in a business and appropriate loan products to meet those needs
    • Line of Credit
    • Term Loan
    • Revolving Debt
    • Bridge Loan
  • Organizational structures and types of financial information presented by borrowers
    • Sole Proprietorship
    • Partnership
    • Corporation
    • Limited Liability Company (LLC)
  • Key accounting conventions underlying the presentation of the financial statements
    • Revenue Recognition
    • Inventory Valuation
    • Depreciation
    • Expense Recognition
    • Taxes

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded

Dates of Event

(Pt. 1) Wednesday, August 8, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Wednesday, August 8, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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Construction Lending Fundamentals

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What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Tuesday, April 24, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

About the Speaker

Robert Dyck has been a banking executive in Southern California for 36 years. For the last 12 years he served as Executive Vice President and Chief Credit Officer of PacWest Bancorp and its banking subsidiary Pacific Western Bank. During this time he managed the acquisition and merger of 20 bank loan portfolios and the blending of 20 different credit cultures. He started his career as a commercial loan officer. In addition, he has held positions that included managing credit training programs, directing loan review departments and he served as a senior credit administrator in several community and regional banks,

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Small Business Lending Fundamentals – (2-Part Series)

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Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are capitalizing on their traditional strengths in knowledge of the customer, local loan decisions and greater flexibility in underwriting, structure and pricing to create a compelling value proposition for the commercial borrower. To remain competitive banks must streamline their underwriting of small business loans.

Branch managers, relationship managers and small business lenders are expected to source small business lending opportunities and grow the relationship with the customer. Unfortunately, many of these individuals do not have the skills to identify good lending opportunities, talk intelligently with small business people about their business, or recommend appropriate bank lending products. Compounding the problem, many of these individuals do not know what information to request from the borrower to support the request nor can they identify potential problems with the application and discuss appropriate mitigants. Many do not know how to underwrite a loan request to determine if the prospective borrower is credit worthy.

This webinar will provide the participant with tools to:

  • Source better small business lending opportunities
  • Better match bank products and services to meet customer needs
  • More efficiently underwrite small business loans
  • Identify cross-sell opportunities
  • Add value to the customer relationship

Specific topics to be discussed include:

  • Prescreening the application
  • Determining financing needs in a small business and alternatives to meet those needs
  • Employing “30 Second” analysis to determine if the potential lending opportunity is one the bank should pursue
  • Analyzing corporate and personal tax returns
  • Assessing business and personal cash flow and the borrower’s ability to repay
  • Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
  • Evaluating the owner/management team
  • Applying the concepts in a case study

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt 1) Wednesday, March 7, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 0m (Pacific Time)

(Pt 2) Wednesday, March 7, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President – New Horizons Financial Group

John Barrickman

 

Register Now Pay by Check

 

Construction Lending Fundamentals

Register Now

What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, January 25, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Register Now Pay by Check

Commercial Lending Basics (2-Part Series)

Register Now

To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing needs arise in the business and what borrowers and accountants are trying to quantify with financial statements and tax returns.

This banking webinar will address the following topics:

  • How a business operates
    • Operating Cycle
    • Fixed Asset Cycle
    • Profit Cycle
    • Cash Cycle
  • How financing needs arise in a business and appropriate loan products to meet those needs
    • Line of Credit
    • Term Loan
    • Revolving Debt
    • Bridge Loan
  • Organizational structures and types of financial information presented by borrowers
    • Sole Proprietorship
    • Partnership
    • Corporation
    • Limited Liability Company (LLC)
  • Key accounting conventions underlying the presentation of the financial statements
    • Revenue Recognition
    • Inventory Valuation
    • Depreciation
    • Expense Recognition
    • Taxes

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Tuesday, January 9, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Tuesday, January 9, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

Register Now Manual Invoice

Construction Lending Fundamentals

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What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, September 28, 2017

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Buy Playback Now Pay by Check

Small Business Lending Fundamentals – (2-part Series)

Register Now

Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are capitalizing on their traditional strengths in knowledge of the customer, local loan decisions and greater flexibility in underwriting, structure and pricing to create a compelling value proposition for the commercial borrower. To remain competitive banks must streamline their underwriting of small business loans.

Branch managers, relationship managers and small business lenders are expected to source small business lending opportunities and grow the relationship with the customer. Unfortunately, many of these individuals do not have the skills to identify good lending opportunities, talk intelligently with small business people about their business, or recommend appropriate bank lending products. Compounding the problem, many of these individuals do not know what information to request from the borrower to support the request nor can they identify potential problems with the application and discuss appropriate mitigants. Many do not know how to underwrite a loan request to determine if the prospective borrower is credit worthy.

This webinar will provide the participant with tools to:

  • Source better small business lending opportunities
  • Better match bank products and services to meet customer needs
  • More efficiently underwrite small business loans
  • Identify cross-sell opportunities
  • Add value to the customer relationship

Specific topics to be discussed include:

  • Prescreening the application
  • Determining financing needs in a small business and alternatives to meet those needs
  • Employing “30 Second” analysis to determine if the potential lending opportunity is one the bank should pursue
  • Analyzing corporate and personal tax returns
  • Assessing business and personal cash flow and the borrower’s ability to repay
  • Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
  • Evaluating the owner/management team
  • Applying the concepts in a case study

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt 1) Monday, September 18, 2017

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 0m (Pacific Time)

(Pt 2) Monday, September 18, 2017

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President – New Horizons Financial Group

John Barrickman

 

Register Now Manual Invoice

 

Effectively Documenting Your Lending Policy

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The loan policy is the vehicle employed by the board of directors to outline the institution’s risk appetite, risk tolerance, lending philosophy and approach to lending. It is the strategic plan for the lending function. Key to developing an effective loan policy is involving individuals at all levels of the organization.
This webinar will focus on the following topics:

  • Framework for developing an effective loan policy
  • Characteristics of a well written loan policy
  • Key components of a comprehensive policy
  • Issues to be addressed in developing the policy

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, August 10, 2017

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

Buy Playback Now Manual Invoice